Dense urban market with significant theft risk and harsh winter driving.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Illinois was approximately $1,088/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Illinois Department of Insurance — licenses carriers and agents in Illinois, reviews rate filings, and handles consumer complaints.
Illinois Department of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Illinois is an at-fault (tort) state. The driver who causes an accident is financially responsible through their liability coverage.
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